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Desjardins Odyssey Gold Visa
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Desjardins Odyssey Gold Visa

3.7
  • 2x restaurants — 2% in BONUSDOLLARS on the first $6,000 in annual restaurant purchases, then 0.65%
  • 2x entertainment
  • 2x alternative transportation
Annual fee
$110
Interest rates

Purchases

20.9%

Cash advances

21.9%

Foreign transactions
2.5%

Rated by the CreditCardGuru Editorial Team

The Odyssey Gold Visa is essentially a travel insurance policy with a rewards card attached; its 60-day coverage outclasses most premium cards, even if the earning rates are modest.

At a glance

Annual fee
$110
Foreign tx fee
2.5%
Network
VISA
Rewards
points
Purchase APR
20.9%

Rewards & earn rates

Restaurants2% in BONUSDOLLARS on the first $6,000 in annual restaurant purchases, then 0.65%2x
Entertainment2x
Alternative transportation2x
Pre-authorized payments2% on the first $6,000 in annual pre-authorized payments, then 0.65%2x
Travel2% on the first $15,000 in annual travel purchases, then 0.65%2x
All other purchases0.65x

Pros & cons

Pros

  • Excellent 60-day comprehensive travel insurance, rare at this fee level
  • 2% earn across dining, entertainment, transit, travel and recurring bills

Cons

  • Weak 0.65% base earn rate
  • BONUSDOLLARS are only redeemable within the Desjardins ecosystem

Perks & insurance

Key perks

  • Comprehensive travel insurance for trips up to 60 consecutive days
  • 50% off entry to the Desjardins Odyssey Lounge at Montreal-Trudeau airport
  • Car rental discounts at Hertz (up to 25%), Thrifty and Dollar
  • Mobile device insurance up to $1,000
  • Intergenerational travel coverage for grandchildren travelling with you

Insurance

  • Travel emergency medical up to $5M per person (up to 60 days, age-dependent)
  • Trip cancellation ($2,500 before departure, unlimited after departure)
  • Baggage insurance up to $1,000 per person
  • Auto rental collision/loss damage (up to 48 days)
  • Mobile device insurance up to $1,000
  • Purchase protection (90 days) and extended warranty (+1 year)

Rates & fees

Annual fee
$110
Purchase interest
20.9%
Cash advance
21.9%
Foreign transactions
2.5%
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
Terms & conditions

Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but Desjardins can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on Desjardins's own website before you apply.

Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and Desjardins's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.

This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.

How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.

CreditCardGuru is not affiliated with Desjardins. Trademarks belong to their respective owners.

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Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

Written by

CreditCardGuru Editorial Team

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Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

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Cite this page

“Desjardins Odyssey Gold Visa Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/desjardins-odyssey-gold-visa, updated June 7, 2026.

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